Early Warning Services

Early Warning has reviewed the response submitted by Mr. [redacted].  Based on the information provided, Early Warning is declining to remove the information contributed by USAA.  Our decision is based on the following reasons:
·         The USAA and Mr. [redacted] have confirmed that the account ending in 4066 is closed,
·         The account holder information related to the USAA account matches Mr. [redacted]’s information, and
·         Mr. [redacted]’s response does not offer any new information on the accuracy of the information
If Mr. [redacted] has new information bearing on the accuracy of the information reported by USAA about the account ending in 4066, Early Warning will reinvestigate the information as required by the Fair Credit Reporting Act.

I do not accept this response from the business and in my opinion it proves they violated [redacted] by not contacting me until I had contacted  them  directly ( only after they put a negative item on my report). I believe a full investigation should be initiated on this business and it's procedures on contacting people who they are report negative items. Again, this information is inaccurate and not containing accurate information and I want it immediately deleted from any credit reporting agencies. If early warning systems has evidence to substantiate these claims or signatures bearing my signature, I request a copy.

Mr. [redacted] submitted a statement of problem through the Revdex.com of Central, Northern, and Western Arizona.  His statement requested the “re-issue...

of settlement checks and a investigation by the Federal Bureau of Investigation.  Checks Systems and FDIC contacted immediately to stop payments and a Re-issue settlement checks to my personal bank accounts.”  The amount disputed is $100,000.00. Early Warning is not involved in the issuance of settlement checks or the processing of stop payments on any type of check.  Further, we do not collect debts on behalf of creditors or debt collection companies.
We have attempted to reach out to Mr. [redacted] by telephone and e-mail to clarify his issue.  At this time, we have not had a response from him.

In the complaint submitted through the Arizona Revdex.com, Mr. B[redacted] indicated that Early Warning has placed a “collection” in his file without contacting...

him.  Early Warning is a consumer reporting agency and does not engage in the collection of consumer debts. Mr. B[redacted]’s file notes that he contacted Early Warning about the contributed record on March 8, 2016.  At that time, information was obtained from him and the process of issuing a disclosure of his file was initiated.  We have submitted a copy of the complaint received through the Revdex.com on March 9, 2016, to the Furnisher in dispute of the accuracy of the contributed record.  The outcome of the reinvestigation will be reported to Mr. B[redacted] before the end of the 30 day reinvestigation period and allowed by the Fair Credit Reporting Act.

The consumer’s issue has been addressed by responses tocomplaints submitted through the [redacted] on July12, 2014 and September 30, 2014. A copy of the consumer’s current file was provided by e-mailon September 30, 2014.  Attached is acopy of...

the consumer’s response indicating receipt of the report and astatement that the report will be reviewed for accuracy.  Early Warning has not had any communicationfrom the consumer during the period September 30, 2014 through December 3,2014.The [redacted] and the[redacted] previously submitted by the consumer donot relate to or name the contributed information currently reported in hisfile.  Based on the complaint comments, thecurrently contributed information is being reviewed by Early Warning and thefurnisher.  The results of the reviewwill be communicated to the consumer when available.As requested in the consumer’s complaint, an additional copyof his file has been e-mailed to him without charge.

Dear [redacted]This will respond to your complaint filed with the Revdex.com of Central, Northern, and Western Arizona dated February 26,2015.Enclosed you will find an updated copy of your file at Early Warning. You will note that the information relating to...

the contributed SunTrust bank account ending in [redacted] has been deleted from your file. The deletion was initiated by the Furnisher without notification to Early Warning.The information relating to the closed [redacted] account ending in [redacted] has not been deleted. As you stated, this account was opened by you and closed by [redacted]. The contributed information is accurate and the reporting is allowed under the Fair Credit Reporting Act. This infonnation is not negative and will not hinder your opening a bank account based on information from Early Warning.The remainder of the reported information relates to transactions, such as opening or attempting to open a bank account, initiated by you.Should you have any questions, please contact us.

In the response to Early Warning’s answer to the original complaint, Mr. B[redacted] indicates that Early Warning has violated the Fair Credit Reporting Act by not contacting him before accepting a report from the furnishing institution.
Early Warning takes the responsibility to report accurate consumer information very seriously.  To that end, we have initiated the process of reinvestigation with the Furnisher to dispute the accuracy of the information.  As previously communicated the reinvestigation request was sent to the Furnisher on March 11, 2016.  The outcome of the reinvestigation will be provided to Mr. B[redacted] upon completion.
To the point of not contacting him before accepting a record from the Furnisher: The Fair Credit Reporting Act does not require a consumer reporting agency to contact a consumer prior to accepting a contribution from a furnishing institution.  The furnishing institution however, has the responsibility to ensure the accuracy and integrity of the reported information.

[redacted] dispute of the contributed data has been received and processed.  The outcome of the reinvestigation will be communicated to him before the end of the 30 day period beginning on the day we received his dispute.

Dear Mr. [redacted]:

This will respond to your complaint filed with the Revdex.com of Central, Northern and Western Arizona dated April 15, 2014. 

As a consumer reporting agency, Early Warning complies with the requirements of the [redacted]....

Early Warning is not engaged in collecting debts owed to [redacted]s or credit unions. 

The outcome of the reinvestigation regarding the [redacted] records confirmed the accuracy of the contribution. The determination is based on information from [redacted] indicating that signatures affixed to checks drawn on the accounts are consistent with the signature on your dispute. The records also indicated that the accounts in question were closed prior to the incident date of December 15, 2009, listed in the [redacted] Police Report. Finally, the police report supplied by you, lists three student loans and a credit card account. [redacted] accounts issued by [redacted] and [redacted] are not listed in the report as fraudulent. 

The record associated with [redacted]- Texas, is still being reinvestigated. The outcome of the reinvestigation will be provided to you upon completion. As we communicated to you on April 21, 2014, [redacted] contributions ending in [redacted], [redacted], and [redacted] are in the process of being deleted from your file. 

Should you have any questions, please contact us at [redacted]

Sincerely, 

[redacted]. [redacted]

Director 

Compliance Support

Consumer complaint:  [redacted]On November 7, 2014, Early Warning received a reinvestigation request regarding information placed in Ms. [redacted]’ file by [redacted].  As required under the FCRA, the furnishing bank ([redacted]) and Early...

Warning conducted a reinvestigation.  The reinvestigation determined the information to be accurate.  Ms. [redacted] requested “copies of any documentation and identification used and any signed signature forms associated with these ‘NSF’ bearing my signature.”  On December 3, 2014 Early Warning notified Ms. [redacted] of the accuracy of the reporting and explained that Early Warning does not maintain bankdocuments. The contact information at [redacted] Bank was also provided so she may obtain the documentation she requested.It was also communicated to the consumer on December 3, 2014 that:If the reinvestigation does not resolve your dispute regarding the accuracy or completeness of the report, you may submit a brief written rebuttal statement setting forth the nature of your dispute.  See your File Disclosure for additional information. Upon your written request(s) Early Warning will:1.   Furnish a copy of your updated report, including the rebuttal statement, to parties who have received a copy of your file during the preceding two years for employment purposes or during the preceding six months for all other purposes.2.   Provide you with a copy of our reinvestigation procedures, including the contact information for any furnisher information.When reviewing the consumer’s file, Early Warning did not find a request for a copy of our procedures however, based on the complaint filed with the Revdex.com, Early Warning will forward a copy of procedures relating to the reinvestigation.  As a matter of information Early Warning is not engaged in debt collection.

Dear [redacted]: This will respond to your complaint filed with the Revdex.com of [redacted] received on November 25,2014. Early Warning provides information to banks, including [redacted] Bank, for the purpose of making decisions regarding the...

availability of funds deposited by you. However, as noted in the second paragraph of the [redacted] Bank Funds Availability Notice, "Early Warning Services did not take part in our decision and is therefore unable to supply specific reasons as to why we ([redacted] Bank) are delaying the availability of the funds," Further, if the deposited check is drawn on an account owned by you or that you are an authorized signer, you are entitled to a full disclosure of all of the information in you file at Early Warning, To begin the process of obtaining a file disclosure, please contact us at [redacted]. If you have questions regarding the availability of funds, please refer to the last page of the [redacted] Bank Funds Availability Notice provided to you or call [redacted] at [redacted] for business accounts or [redacted] for personal accounts. Should you have any further questions, please contact us.

I encountered this business ON FRIDAY AFTERNOON, May 6, 2016, when I applied for a checking account at a [redacted] in Santa Fe,NM. My name and Social Security number were entered into the Early Warning Services [EWS] data base, and the bank received an "Adverse Action Notice." I was told that my LEGAL name and my Social Security number DID NOT MATCH.

That night I called the EWS to ask what the problem was, and the only answer I got was that they "had no negative information on me" there. What the heck does that mean?

The following Monday, May 9, 2016, I showed up at the same bank with all the umpteen cards and papers which prove that my LEGAL Name and my Social Security DO INDEED MATCH: passport, NMDL, 2015 Tax records, the SOCIAL SECURITY CARD ITSELF, my Medicare/ Medicaid cards, etc.The Manager of the [redacted] explained to me that if they were to accept me and start a checking account without the EWS Deluxe Detect permission, the Bank would be fined $11,000 per offense. Is this true? This stringent regulation is apparently part of the Patriot Act. I've never encountered such a road block.

My plan is to research other checking accounts here in Santa Fe from both Credit Unions and Banks and to ask each one whether or not they use the EWS ID check. Perhaps only this kind of ID check is IFFY. Maybe some other ID checking company will accept my checking account application. I do not know. Yet.

I now have EWS paperwork to fax back to them, so that they will "do research" on my record and respond to me in less than 30 days. What kind of research I do not know and they would not tell me. I have not sent this fax, yet, because they SOUND so IFFY. Their tone-of-voice reminds me of [redacted] businesses.

One thing for sure, someone has broken the BOND BETWEEN my LEGAL NAME and my Social Security NUMBER, and until I get this straightened out, I am up-a-creek, because [redacted].

Thanks for your efforts in this matter,

Kathairein G[redacted]SSN** [HONEST!]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[redacted] contacted early warnings about why the funds were not released, early warning told them that they did not receive the funds and this was after three business days.. The check was from [redacted] and the funds were sent to early warning next day (1) business day. Early warning was negligent in reporting the funds

Regards,[redacted]

The reinvestigation of the accuracy of the information contributed by BBVA Compass Bank was completed on April 6, 2015.  At that time, Mr. [redacted] was notified of theoutcome and that the information would remain in his file at Early Warning.  The accuracy of the contribution was based...

onthe following:·        Mr. [redacted] was the sole signer on the account.·        Mr. [redacted] opened the account as the company owner, principal, and executive officer.·        State documentation lists Mr. [redacted] as the company incorporator and registered agent.

Section 610 of the Fair Credit Reporting Act mandates that aconsumer reporting agency obtain proper identification of a consumer prior toreleasing any information from its files. In accordance with this requirement, Early Warning forwarded a copy of ourConsumer Identification and Certification...

form to Mr. [redacted] for completion on March12, 2015.When returned, a file disclosure will be prepared based uponthe information provided by Mr. [redacted]. If any of the information contained in the file disclosure is inaccurateor incomplete a dispute, indicating the specific nature of the inaccuracy ofthe information, may be submitted as allowed in Section 611 of the Fair CreditReporting Act (FCRA).

Early Warning is allowed, as authorized by the Fair Credit Reporting Act (Act), to collect and report certain types of information relating to consumers.  The Act does not require Early Warning to provide pre-notification or to obtain the consumer’s authorization prior to the collection of the...

data.  Further, the Gramm-Leach-Bliley (GLB) Act provides exceptions to notice and opt out requirements when the information is used to protect against or prevent actual or potential fraud, unauthorized transactions, claims, liability, or institutional risk control. As a consumer reporting agency (CRA), Early Warning follows strict guidelines regarding the accuracy and disclosure of the information maintained in our files.  Consumers may obtain a free copy of their file and dispute the accuracy of information contained in their file.  Mr. De Wyke was afforded the opportunity to obtain a copy of his file on February 24, 2010, and again on April 1, 2015.

Based on your comments, a review of your file has been completed.  The outcome of the review is as follows:- [redacted] account ending in [redacted]: The accuracy of the contributed record was disputed by you on April 20, 2013.  The contributed record was found to be accurate as of...

the time of contribution.  Base on the dispute documentation, the record was update to a "paid" status on April 23, 2013.  A notification was provided to you on April 24, 2013.- [redacted] accounts:Our review does not indicate that you have disputed the accuracy of any of the accounts contributed by [redacted]. The case notes state that on October 29, 2013, you informed an Early Warning consumer services representative that you would contact [redacted] directly rather than dispute the accuracy of the information through Early Warning.  However, we did not find any notifications from [redacted] instructing Early Warning to delete any of the records contributed by [redacted].  If you wish to reconsider and submit a dispute of the accuracy of the account intbrmation, please follow the instructions noted in the file disclosure provided to you on August  15,2014.  The current statuses ofthe [redacted] contributions are as follows:Account ending in [redacted]: current status is "unpaid"Account ending in [redacted]: current status is "paid"Account ending in [redacted]: current status is "paid"Account ending in [redacted]: current status is "paid"Account ending in [redacted]: current status is "unpaid"Account ending in [redacted]: current status is "paid"Should you have any questions, please contact us.

This will respond to your complaint filed with the Revdex.com of Central, Northern, and Western Arizona dated April 23 2014.

On October 28, 2013, we received a letter of dispute regarding your file at Early Warning. Your dispute was promptly reinvestigated by Early Warning and...

[redacted]. The outcome of the reinvestigation was reported to you on November 8, 2013. 

If you have new information to offer regarding the report made by [redacted], we will submit such information to the furnisher for consideration. Your dispute should specifically state why you disagree with the report and, if available, be supported by documentation. An example of such specifics would be an explanation of returned items or extended overdrafts on the subject account. 

Attached for your review are copies of correspondence previously sent to you about the disputed record. 

Finally, if you believe that the initial re-investigation does not resolve the dispute, you may file a brief statement setting forth the nature of your dispute. If requested, Early Warning will supply notification of your rebuttal statement to any inquirer designated by you who within the two years prior received a consumer report for employment purposes, or six months prior recievd a consumer report for any other purpose, which contained the disputed information. Early Warning will also provide that statement to any future inquires to you consumer file.

Should you have any questions, please contact us.

Sincerely, [redacted]

Director

Compliance Support.

SITUATION..........DAVID L B[redacted] HERE.....HOMELESS VET........I STARTED A CHECKING ACCOUNT WITH [redacted] BANK...TO ENABLE ME TO OBTAIN A LOAN FOR A BOAT TO LIVE ON HAWAII.....I WAS OFFERED A 15K LOAN VIA PHONE...I WAS ADVISED BUY UNKNOWN COMPANY THAT THEY WOULD LOAN ME 15K...FIRST THEY DEPOSITED 994.00 INTO MY [redacted] ACCOUNT,WHICH THEY DID...I WAS TO SEND IT BACK TO THEM AND THEN THEY WOULD DEPOSIT 15K INTO MY ACCOUNT....I GUESS IT WAS A SCAM..I WENT TO [redacted] TO DEPOSIT A FEW HUNDRED THEY WOULD NOT TAKE MY CASH AND ADVISED ME THEY WERE KICKING ME OUT OF THEIR BANK SERVICE.....LIKE I WAS THE BAD GUY......THEY TOLD ME NOTHING....I PAID MY NEG 5 DOLLARS AND LEFT.....NOW.....I TRIED TO ESTABLISH A CHECKING ACCOUNT WITH [redacted]........THEY DECLINED BECAUSE OF ABOVE INCIDENT........BECAUSE OF EARLY WARNING SERVICES..............I HAVE NO IDEA WHAT IS GOING ON...........LITTLE HELP PLEASE...........................MAHALO.....DAVE B[redacted].............

The response provided to [redacted] on November 25, 2014,clearly demonstrates through [redacted] Bank’s documentation that EarlyWarning did not make the decision to delay availability of deposited funds anddoes not know why the availability was delayed. Early Warning may have provided confidential information relating to thedeposited check, as allowed by Regulation CC (Expedited Funds AvailabilityAct), to [redacted] Bank to be used in their decision process.  It is understandable that [redacted] is acting on informationprovided to him.  However, Early Warningdoes not make decisions for [redacted] Bank regarding the placing ofuncollected funds holds, the release of holds placed on customer deposits, orthe receipt of funds due from one bank to another.  The information as to why the availability offunds was delayed for ten (10) days must be obtained from [redacted] Bank.  The contact information was included in ourprevious response.In order to resolve this issue, Early Warning reached out to[redacted] on December 23, 2014, and left a message at his contact number.